Accounts

Account Types

Type	Description
Transactional	Everyday spending accounts (checking, debit). Transactions here flow through budget categories.
Savings	Emergency funds, savings goals. Can have a target balance shown in the Goals report.
Debt	Credit cards, loans. Negative balances are normal here. A budget category is automatically created when the account is created — see Debt Budget Categories below.

Account Balance

An account's balance is calculated as:

Balance = Starting Balance + Sum of all transactions

The starting balance is set when the account is created and recorded as a starting_balance transaction. It does not affect any budget category.

Creating an Account

From the Accounts page, click New Account:

• Name — e.g. "Everyday", "Credit Card"
• Type — Transactional, Savings, or Debt
• Starting Balance — The current real-world balance of the account
• Notes — Optional description or account number
• Goal Amount — For savings accounts: the target balance to display on the Goals report
• Goal Target Date — Optional month and year by which you want to reach the goal

Filtering Transactions by Account

Click any account row to filter the transaction list to that account. The selected account is highlighted and only its transactions are shown. Click the account row again (or clear the filter) to return to the full list.

To edit an account on desktop, click the pencil icon that appears on the right of the row on hover. On mobile, long-press an account row (hold for 1 second) to open the account editor.

Reordering Accounts

On desktop, drag the handle on any account row to reorder accounts. Order is saved immediately.

Reconciliation

Reconciliation lets you correct your Dosh balance when it drifts from your bank's actual balance — for example, if a transaction was missed or entered incorrectly.

1. Open the account
2. Click Reconcile
3. Enter the actual balance from your bank statement
4. Dosh calculates the difference and creates an adjustment transaction to bring the balance in line

The adjustment transaction is categorised as uncategorised by default. Assign it to a category if appropriate (e.g. a bank fee).

Savings Goals

For savings accounts, you can set a goal amount — the target balance you're working toward. This appears on the Goals report as a projected line alongside your actual balance history.

You can also set a goal target date (month and year). When set, the Goals report compares the projected trend against that date and shows On track or Off track accordingly.

Debt Budget Categories

When you create a Debt account, Dosh automatically creates a matching budget category in a Debt Payments section of the Budget page. This category is used to track how much you plan to pay toward that debt each period.

• Transactions categorised to a debt payment category reduce the account's tracked balance in the budget.
• The category supports the same settings as any other category: budgeted amount, period (weekly / fortnightly / monthly / quarterly / annually), weekly equivalent, and catch-up.
• The category cannot be renamed or deleted from the Budget page — its name is controlled by the account name. To rename it, rename the account. To remove it, archive or delete the account.

This makes it easy to plan debt repayments alongside your other budget categories, without manually creating a separate category for each debt.

Closing Accounts

Accounts can be closed to hide them from the main view. When closing an account, you are prompted to transfer any remaining balance to another account. All transactions are retained and the account's historical data remains accessible.

Closed accounts are hidden by default. Use the Show closed button at the top of the Accounts page to reveal them.

Mobile

On mobile, the Accounts page uses a floating action button (FAB) in the bottom-right corner. Tap it to expand a speed dial with options to add a transaction, import transactions, add an account, or reconcile an account.

The account list hides edit and reconcile buttons on mobile — use long-press to edit and the FAB to reconcile.